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Review featured cards from our partners below.Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
State
Rewards
Features
Issuers
Balance Transfer
N/A
Credit Range
Fair, Good
Balance Transfer
24.49%* (Variable)
Credit Range
Good
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11.90% - 27.90% Variable
Intro APR: N/A
$0
Earn 3x points on dining, 2x points on gas and groceries, and 1x points on all other purchases
$25
Get 2,500 bonus points with your first purchase
Balance Transfer
11.90% - 27.90% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
14.99% - 23.99% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
14.99% - 23.99% Variable
Credit Range
Fair
Balance Transfer
N/A
Credit Range
Poor
17.49%-26.49% Variable
Intro APR: N/A
$0
Earn 2 miles per dollar spent on purchases made directly with Delta and at US restaurants. Earn 1 mile on every eligible dollar spent on purchases.
Balance Transfer
17.49%-26.49% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
8.90% - 25.90% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
26.96% (Variable)
Credit Range
Fair
24.99% Variable
Intro APR: 10.99% on Balance Transfers for 6 months
$0
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases.
Balance Transfer
24.99% Variable
Credit Range
Poor
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Poor, Very Good
26.24% Variable
Intro APR: N/A
$39
Automatically earn 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Poor, Very Good
16.74% - 26.74%* (Variable)
Intro APR: 0%* for 12 months on Purchases* and 0%* for 21 months on Balance Transfers*
$0*
N/A
Balance Transfer
16.74% - 26.74%* (Variable)
Credit Range
Excellent, Good, Very Good
13.99% - 24.99% Variable
Intro APR: 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
13.99% - 24.99% Variable
Credit Range
Excellent, Good, Very Good
25.99% (Variable)
Intro APR: 0% for 9 months on Purchases and Balance Transfers*
$0
Earn Cash Back TWICE! Earn 1% on purchases and an additional 1% as you pay for those purchases
Balance Transfer
25.99% (Variable)
Credit Range
Good
16.74% - 25.74% (Variable)
Intro APR: N/A
$0 intro for first year; $95 after that
4% Cash Back on dining, 4% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
$300
Earn $300 after you spend $3000 on purchases within the first 3 months from account opening
Balance Transfer
16.74% - 25.74% (Variable)
Credit Range
Excellent, Good, Very Good
16.99% - 25.74% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
$150
$150 after purchases of $500 within first 3 months
Balance Transfer
16.99% - 25.74% Variable
Credit Range
Excellent, Good, Very Good
13.90% - 27.90% Variable
Intro APR: N/A
$0
Earn 1.5% cash back on every purchase with no limits or category restrictions
Balance Transfer
13.90% - 27.90% Variable
Credit Range
Excellent, Good, Very Good
26.96% (Variable)
Intro APR: N/A
$0
1% Cash Back on all purchases, 0.25% Cash Back bonus on the cash back you earn each month you pay on time
Balance Transfer
26.96% (Variable)
Credit Range
Fair
13.99% - 24.99% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
13.99% - 24.99% Variable
Credit Range
Excellent, Good, Very Good
20.24% - 26.24% Variable
Intro APR: N/A
$0 - $99
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Poor, Very Good
Balance Transfer
N/A
Credit Range
Poor
Balance Transfer
N/A
Credit Range
Fair, Good
14.99% - 25.99% Variable
Intro APR: N/A
$0
Up to 1.5% cash back after making 12 on-time payments. 1% cash back on all purchases - right away.
Balance Transfer
N/A
Credit Range
Excellent, Fair, Good, Very Good
17.49%-26.49% Variable
Intro APR: N/A
$0 introductory annual fee for the first year, then $95.
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on purchases.
Balance Transfer
17.49%-26.49% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Fair, Poor
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
26.96% (Variable)
Intro APR: N/A
$39
1.5% Cash Back on every purchase, every day
Balance Transfer
26.96% (Variable)
Credit Range
Fair
17.99% - 25.24% (Variable)
Intro APR: N/A
$0 intro for first year; $95 after that
2x Miles per dollar on every purchase, every day
Balance Transfer
17.99% - 25.24% (Variable)
Credit Range
Excellent, Good, Very Good
14.24% - 24.24% (Variable)
Intro APR: 0% on Purchases for 12 months
$0
1.25x Miles per dollar on every purchase, every day
Balance Transfer
14.24% - 24.24% (Variable)
Credit Range
Excellent, Good, Very Good
16.24% - 26.24% (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
3% Cash Back on dining, 3% Cash Back on entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases
$150
Earn $150 after you spend $500 on purchases within 3 months from account opening
Balance Transfer
16.24% - 26.24% (Variable)
Credit Range
Excellent, Good, Very Good
15.99%– 25.99% (Variable)
Intro APR: 0% for 18 months on Balance Transfers*
$0
Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
Balance Transfer
15.99%– 25.99% (Variable)
Credit Range
Excellent, Good, Very Good
13.99% - 24.99% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Balance Transfer
13.99% - 24.99% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Fair, Poor
See Rates & Fees
Intro APR: N/A
$250
Earn 4X Membership Rewards® pts at U.S. restaurants and U.S. supermarkets (up to $25K/year in purchases, then 1X), 3X Membership Rewards® pts on flights booked directly w/airlines or on amextravel.com
Balance Transfer
N/A
Credit Range
Excellent, Good, Very Good
Balance Transfer
26.99% (Variable)
Credit Range
Poor
16.99% - 25.74% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
Balance Transfer
16.99% - 25.74% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
11.90% - 27.90% Variable
Intro APR: N/A
$0
Earn 2x points per dollar for dining and gas, and 1x points on all other purchases
$25
Get 2,500 bonus points with your first purchase
Balance Transfer
11.90% - 27.90% Variable
Credit Range
Excellent, Good, Very Good
17.99% - 24.99% Variable
Intro APR: N/A
$95
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases
$750
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Balance Transfer
17.99% - 24.99% Variable
Credit Range
Excellent, Good, Very Good
16.24% - 26.24% (Variable)
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
1.5% Cash Back on every purchase, every day
$150
Earn $150 after you spend $500 on purchases within 3 months from account opening
Balance Transfer
16.24% - 26.24% (Variable)
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
17.49%-26.49% Variable
Intro APR: N/A
$95
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Balance Transfer
17.49%-26.49% Variable
Credit Range
Excellent, Good, Very Good
14.74%-25.74% Variable
Intro APR: 0% on Purchases and Balance Transfers for 15 months
$0
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. gas stations and 1% cash back on other purchases
$150
Earn $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Balance Transfer
14.74%-25.74% Variable
Credit Range
Excellent, Good, Very Good
13.99% - 24.99% Variable
Intro APR: 0% on Purchases and Balance Transfers for 14 months
$0
5% Cash back in categories that change each quarter up to the quarterly maximum, when you sign up. Plus, 1% unlimited cash back automatically on all other purchases.
Balance Transfer
13.99% - 24.99% Variable
Credit Range
Excellent, Good, Very Good
N/A
Intro APR: N/A
$550
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel
Balance Transfer
N/A
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Fair, Good
14.99% - 23.99% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 6 months
$0
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
Balance Transfer
14.99% - 23.99% Variable
Credit Range
Fair
14.74%-25.74% Variable
Intro APR: 0% on Purchases and Balance Transfers for 12 months
$95
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% Cash Back at US gas stations and 1% Cash Back on other purchases
$250
Earn $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Balance Transfer
14.74%-25.74% Variable
Credit Range
Excellent, Good, Very Good
13.99% - 24.99% Variable
Intro APR: 0% on Purchases and 10.99% on Balance Transfers for 14 months
$0
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
Balance Transfer
13.99% - 24.99% Variable
Credit Range
Excellent, Good, Very Good
13.90% - 27.90% Variable
Intro APR: N/A
$0
Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined and 2% cash back on your first $3,000 on supermarket purchases per year
Balance Transfer
13.90% - 27.90% Variable
Credit Range
Excellent, Good, Very Good
17.49%-26.49% Variable
Intro APR: N/A
$0
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Balance Transfer
17.49%-26.49% Variable
Credit Range
Excellent, Good, Very Good
Balance Transfer
N/A
Credit Range
Poor
Balance Transfer
N/A
Credit Range
Fair, Good, Poor
Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
*For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Low interest credit card basics
What APR is and how it works
APR, or the annual percentage rate, is the interest rate you pay when you borrow against your credit card’s credit limit. If your interest rate is 18%, then dividing by 365 days would yield a daily rate of 0.0493%. The balance you have on your credit card would be charged interest daily until the balance is paid off. If you had a $500 balance and paid $100 when the bill was due 30 days later, then you could pay $7.40 in interest. But, if you paid this same balance 12 days in, then you could pay $6.51 in interest for that month. Since interest is charged at a daily rate, the sooner you pay, the less interest is accumulated. Most issuers will not charge any interest if the balance is completely paid off at the end of the billing cycle.
Fixed and Variable APRs
Credit cards can use both fixed and variable APRs. When an APR is fixed, then that interest percentage does not change, unless an event occurs such as an expiration of a promotional APR, the triggering of a penalty APR, or if the issuer notifies in writing of changes to the services agreement, including APR increases. Variable APRs change more frequently, since they are based on the Prime Rate. This rate is based on a survey of banks, who, in turn, make changes based on movements made by the Federal Reserve.
Types of low interest credit cards
Low interest credit card offers come in two different varieties. The first is for new purchases and typically include a low or 0% APR as a promotion, which lasts for a specific amount of time. These types of promotional credit cards can be a good option when purchasing an expensive item, such as a major appliance, where you could spread the payments over multiple months. The other involves balance transfer promotions and can include a low or 0% APR when you transfer a balance from an old credit card to the new card. These can be helpful when responsibly used to pay down existing credit card debt.
What a "Schumer box" is
Sometimes called a “summary box”, it will display an outline of the costs associated with a credit card. This visually distinct box is the same format that is accompanied with all credit card offers, and was meant to make comparisons easier. The information found in this box includes:
- Promotional APRs: For both purchases and balance transfers, the APRs and promotional periods are listed. Some issuers may not provide promotions for each and will often provide promotional APRs for purchases only or balance transfers only. When the promotional period begins could be different as well, such as the period starting from the first purchase date or balance transfer date.
- Standard APRs for purchases, balance transfers, and cash advances: This section will provide the APR range that is available based on creditworthiness, and will also list any variable or fixed APRs. APRs may differ significantly based on the type of transaction: new purchases, balance transfers, and cash advances.
- Penalty APRs: This section will list the penalty APR associated with late or missed payments, or even payments below the monthly minimum payment. It can also describe when these penalty APRs are applied.
- How to avoid paying interest on purchases: The applicable conditions to avoid paying interest will be listed here. Typically, most issuers will not charge interest as long as the balance is paid before the end of the billing cycle.
- Minimum interest charge: Oftentimes, this states the minimum amount that the issuer will charge for interest. For example, if this minimum charge was $0.50 and you carried over a $1.00 balance, then you would not be charged any interest, since interest for that $1.00 could be 1.5 cents for that billing month with an average APR.
- Set up and maintenance fees: This section will list any additional service fees, such as annual fees, account set up fees, fees for requesting additional cards, fees for requesting a credit limit increase, fees for re-opening an account, paper statement fees, alternative payment fees, and a participation fees, which could be added when requesting to add an authorized user.
- Transaction fees: This area will list the fees for balance transfers, cash advances, and foreign transactions. These fees can be a dollar amount or a percentage based on the amount of the transaction.
- Penalty fees: These include fees for late payments, going over the credit limit, and returned payments.
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